Finance Articles
  • How To Invest In REITs
  • by Thomas Merlino
  • This is the resource article for you if you are just starting out learning about REITs (Real Estate Investment Trusts). The article is comprehensive, informative, and at the same time - provides rudimentary information on this exciting investment opportunity.
  • Income Protection - How To Protect A Valuable Asset
  • by Kerrie Peacock
  • Economic issues over the last decade or so have lead to a lot of financial stress. Given this, there has been a large wake up call for many residents of Australia. Loss of work hours or the complete inability to provide financial stability for your family can obviously cause a large financial drain. Injuries or illnesses can also have life altering and completely devastating impacts on you and the family members that depend on you financially.
  • Personal Insurance - What Are Your Options?
  • by Kerrie Peacock
  • When you are presented with over a hundred policies to choose from, you can get confused. Sorting out policies from different providers is difficult if you don't know what to look for and what each of them entails. There are various online calculators that can help you calculate the amount of cover you need. However, it is up to you to determine what cover would be sufficient based on your needs.
  • Simple Explanation Of Personal Insurance
  • by Kerrie Peacock
  • Australians think nothing of paying insurance premiums for their autos, but they do have a problem with buying insurance for themselves. That's the whole point of personal insurance - securing yourself and your family. Three types of insurance exists: Total and Permanent Disability (TPD), life, and income protection insurance.
  • Protecting A Valuable Asset: Income Protection
  • by Kerrie Peacock
  • Income protection insurance provides you with the opportunity to protect your most important asset, your ability to provide for your family. While it won't give you a complete replacement of your income, it will allow you to protect up to 75 percent of your income. That can go a long way toward helping you meet financial obligations. There are many benefits to selecting such a policy.
  • Understanding Total And Permanent Disability Insurance
  • by Kerrie Peacock
  • It would be advisable to check what the TPD insurance policy covers before purchasing one. Have the insurance agent explain to you what is covered in each plan, what constitutes permanent disability and features that come with the same. This will make it easier for you to assess the cover and determine an adequate plan you can use. Most insurance companies consider permanent vision loss and loss of limps.
  • Total And Permanent Disability Insurance - Important Considerations
  • by Kerrie Peacock
  • TPD can be taken out as a standalone policy or as an additional feature in your life insurance policy. TPD offers a lump sum the claim is payable once and the benefit paid out will depend on the severity of your disability. The amount applied for will also be factored in. It is important to remember that you will not receive any payment if the disability you incur is considered partial or temporary.
  • Choosing The Best Insurance Provider
  • by Kerrie Peacock
  • Despite the fact that people hope and wish for the best, the fact is that life is full of uncertainties and the most proactive thing you can do for your family is to be prepared for eventualities that may affect a family's financial stability. Personal insurance is the best way of taking care of the needs of your family when you are no longer there, or you are unable to provide financial support due to illness or injury.
  • No More Excuses: Fiscal Responsibility And Investing In Retirement
  • by Tim Stevenson
  • This is a brief entry on the most effective ways to tackle your debt and establish a proper retirement savings. Many people believe retirement to be the end of investing. This couldn't be further from the truth. Read more to recognize the values and methods in retirement investing and planning.
  • A Plain English Explanation Of Personal Insurance
  • by Kerrie Peacock
  • There are some conditions that simply require a bit of recovery time prior to you can return to offering your household. For example, the Australian Institute of Health and Welfare (AIHW) reports that very early detection and medical advances have increased the survival rates in cancer sufferers. The cancer cells survival rate was originally 47% throughout 1982 to 1987 period, however increased to 66% throughout 2006 to 2010 duration.
  • Available Options On Personal Insurance
  • by Kerrie Peacock
  • Unfortunately, life is full of unfortunate events and uncertainties. In spite of the fact that many wish and hope for the very best that life has to offer. One of the best proactive measures that can be taken is to always be prepared. Personal insurance is one of the best ways to look out for yourself and your family should anything unfortunate happen to you.
  • Retirement Planning Practices To Live By
  • by Joan Stevens
  • It's never too late to start on your Retirement Plan. Even starting as young as 20 years old, the more money you can accumulate for your savings the better. Developing a few good spending & saving habits can take you a long way.
  • Easy Way To Jumpstart Your Retirement Savings
  • by Joan Stevens
  • Saving for your retirement can be as easy as switching your phone service or adding $5-10 to your savings on a monthly basis. Just try out these simple "House Rules".
  • CFP Schools, Successful Careers Begin Online
  • by Wile John
  • Everyone who's familiar with the business and finance industry knows the great decline of economy in the global perspective. It has brought a huge effect in countless jobs everywhere.
  • Can SMEs Achieve The Living Wage Aspiration?
  • by Ian Hepworth
  • In the current market place SMEs are generally pulled from pillar to post with commitments from the financial to the ethical, the environmental to the commercial. Most SMEs survive and thrive by spinning all of these plates particularly well and ensuring all aspects of their business work in harmony and towards a common goal. The most recent concept being brokered by the business community is that of employing workers on a living wage.
  • Claiming Income Protection Insurance ATO: Tax Deductions And Benefit Payments
  • by Kerrie Peacock
  • Whether you are claiming tax deductions on premiums or lodging a claim for benefit payments on your income protection insurance, the Australian Taxation Office (ATO) must always be involved. Therefore, you must always be aware of the restrictions and applicable rules when claiming deductions. You should also be aware of the requirements that necessitate involvement of the Australian Taxation Office while lodging a claim for your benefit payment.
  • Life Insurance Types: Direct And Advised Life Insurance
  • by Kerrie Peacock
  • In direct life cover you would have to understand every aspect, including legal issues, no matter how complicated. On the other hand, advised life cover gives you the benefit of receiving knowledgeable advice from professionals who understand all legal aspects, as well as the complicated medical underwriting issues. This will help you know exactly how to maintain your life policy and also help in lodging claims for benefit payments.
  • Is Life Insurance Taxable?
  • by Kerrie Peacock
  • In the case that such benefit payment is received by someone else apart from the original beneficiary, the Australian Taxation Office will consider whether such a person paid any money or was given any form of consideration in order to acquire the right or interests in question. Hence, CGT exemption would only apply in the case that no payment or consideration was made.
  • Interesting Facts About Life Insurance For Seniors
  • by Kerrie Peacock
  • Apparently, many Australians have misconceptions concerning the expected cost of life cover. This is evident from a 2014 Apathy To Action report, by the Financial Services Council (FSC) and MetLife, which reveals that many age groups expect their life cover premiums to be approximately double the actual amounts. However, senior Australians are a unique exception, since they have a much better perception of the actual premium.
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